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FIRST pre-approved offer EVER!

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Frequent Contributor

FIRST pre-approved offer EVER!

I don't know - kind of an exciting moment for me when I got my mail and noticed my first ever pre-approval letter. It was for the Citi Simplicity card. I was interested in a Citi card because you can often get concert/events tix pre-sales and have a chance to get better seats.............. but I think I've done enough damage the past few months and will ignore it.... but it was still nice to get! Smiley Happy

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 1 of 8
7 REPLIES
Established Contributor

Re: FIRST pre-approved offer EVER!

Sure is a nice feeling to get those preapproval solicitations. Congrats on your recent success!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 2 of 8
Established Contributor

Re: FIRST pre-approved offer EVER!

Same thing just happened to me (first preapproval ever) but it was for the Home Depot store card lol. Fun times.

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Mercedes Benz | Amex Schwab Platinum | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Chase IHG Premier World Elite Mastercard Discover IT Miles | Discover IT More | Lowes Advantage | Macys Store | NFCU Flagship Visa Signature | Penfed Pathfinder Rewards Amex | USAA Limitless Rewards Platinum Visa
Message 3 of 8
Moderator Emeritus

Re: FIRST pre-approved offer EVER!

+1  Only get the ones you will use.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 8
Moderator Emeritus

Re: FIRST pre-approved offer EVER!

Congrats!! This is why I am opted out. My husband is not opted out and he gets weekly offers for cap 1 and credit one.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 5 of 8
Mega Contributor

Re: FIRST pre-approved offer EVER!


jd5189 wrote:

I don't know - kind of an exciting moment for me when I got my mail and noticed my first ever pre-approval letter. It was for the Citi Simplicity card. I was interested in a Citi card because you can often get concert/events tix pre-sales and have a chance to get better seats.............. but I think I've done enough damage the past few months and will ignore it.... but it was still nice to get! Smiley Happy


Congrats on your recent success!

 

Give it 6 months and give Citi a shot!!

 




EQ FICO 548 3/3/16
Message 6 of 8
Valued Member

Re: FIRST pre-approved offer EVER!

I just added myself back to the list to get pre approvals lol.

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Message 7 of 8
Established Contributor

Re: FIRST pre-approved offer EVER!

Nice offer! Put it to the side and give your self a few weeks to think it over.In any case congrats!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 8 of 8